Credit cards. My opinion? Easy! The average credit card is evil and they suck big time. And that is despite the fact that I have several myself. The reason being that they are so easy to get and use that it can feel like a game without thinking about the consequences of your action. And the other reason they are evil, because it is so very easy to get yourself into debt but when you want to get back out of debt it can be one hell of a battle.

So saying, not all are bad. If you can make good use of 0% credit cards and 0% balance transfers then they can be a valuable tool but remember if you start having to pay interest on your money then its likely they have started to be a problem. Dont let it grow.

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